iGaming payment processing is hard because acquirers churn, chargebacks run high, reserves lock working capital and payouts must clear fast across several licensed markets at once. Crosswire places licensed operators with redundant card acquiring from the vetted network, plus multi-currency banking, player payout rails and KYC that providers accept - one stack, with reserve and settlement terms confirmed in your offer.
iGaming operators typically pay 2.2-5% MDR today. Your Crosswire range depends on structure, volume and settlement currency - run your volumes or speak to an advisor, confirmed in your offer subject to KYC/KYB.
Three things decide whether an operator gets boarded and what the terms look like: the licence, the scheme rules for gambling MCCs, and the reserve the acquirer holds against future liability.
Acquirers board against the licence, market by market. An MGA, Curacao, UKGC or provincial LatAm licence each opens a different set of acquirers, and traffic from a market the licence does not cover is the fastest route to a review.
Gambling MCCs (7995 and its regional treatment) carry registration, descriptor and issuer-blocking rules. Card issuers in several markets decline the MCC outright, which is why deposit routing, alternative payment methods and retry logic matter as much as the headline rate.
Rolling reserves are normal in this vertical. What varies is the percentage, the hold period and whether it releases on schedule. We set the reserve expectation before boarding rather than discovering it in month two.
Scheme monitoring programmes have hard ratio thresholds. Crossing them adds fees and can end an acquiring relationship, so dispute tooling and prevention rules are boarded with the MID, not bolted on later.
Licence conditions and player expectations both push withdrawal times down. Payout rails need to clear on weekends and outside banking hours, which is a banking and rail question rather than an acquiring one.
Several regulators require player balances to be held apart from operating funds. That shapes the account structure before any rate is discussed.
One risk review from being dropped. Backup MIDs and redundancy are not optional.
Without proper tooling, fees and reserves quietly destroy unit economics.
Players want fast withdrawals; ops teams want one stack across markets.
Built from vetted partners across banking, acquiring, digital assets and technology.
Several acquirers from the vetted network boarded in parallel, so a single decline or pause does not stop revenue.
Real IBANs across EUR, USD and GBP, with the segregation your licence requires.
Card, bank and digital-asset payout rails, same-day where the receiving rail allows.
Take deposits and pay players in digital assets, settle in fiat or hold, with the ramp underwritten rather than tolerated.
Reusable verified identity with higher pass rates, lower abandonment and audit-grade logs.
Move balances across markets and entities without the FX bleed, minimising unnecessary prefunding.
Crosswire structured a new stack for Lukx. It is now live with integrated crypto capabilities, instant settlements and a lower headline rate than the operator had before.
How a licensed operator moved to a redundant stack with instant settlement and a lower headline rate.
Licensed operators placed with acquirers that underwrite iGaming properly, with reserve and settlement expectations set upfront.
Multiple acquirers and banks so you are never single-threaded.
One senior point of contact across acquiring, banking, payouts and KYC.
How operators use digital-asset rails for treasury and player payouts.
Approval, pricing, reserves and settlement, explained end to end.
Why prefunding exists and how to structure around it.
Which markets and currencies the network boards today.
Run your own volumes on the acquiring tab.
The other verticals wired on the same network.
Describe your setup and get the rails, partners and indicative pricing in one pass.
Share a few details and we'll come back with options - discreetly, within one business day.
Paid by the infrastructure partners - no Crosswire margin on the infrastructure price. Advisory or implementation work is quoted separately.
Approval and pricing depend on licensing, jurisdiction, risk profile and compliance. Nothing on this page is a guarantee of approval or specific terms.